The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$40,000
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,244
−HK$1,264/mo
Today · 4.125%
HK$42,508
baseline
▲ 0.50% · 4.625%
HK$45,095
+HK$2,587/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,016/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,500
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,693
−HK$1,211/mo
Today · 4.125%
HK$46,904
baseline
▲ 0.50% · 4.625%
HK$49,376
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,808/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,000
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,493
−HK$1,517/mo
Today · 4.125%
HK$51,010
baseline
▲ 0.50% · 4.625%
HK$54,114
+HK$3,104/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,020/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,400
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,832
−HK$1,453/mo
Today · 4.125%
HK$56,285
baseline
▲ 0.50% · 4.625%
HK$59,251
+HK$2,966/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,570/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,000
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,742
−HK$1,770/mo
Today · 4.125%
HK$59,512
baseline
▲ 0.50% · 4.625%
HK$63,133
+HK$3,621/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,024/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,299
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,970
−HK$1,695/mo
Today · 4.125%
HK$65,665
baseline
▲ 0.50% · 4.625%
HK$69,127
+HK$3,462/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,330/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,000
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,240
−HK$2,275/mo
Today · 4.125%
HK$76,515
baseline
▲ 0.50% · 4.625%
HK$81,171
+HK$4,656/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,030/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,099
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,247
−HK$2,180/mo
Today · 4.125%
HK$84,427
baseline
▲ 0.50% · 4.625%
HK$88,877
+HK$4,450/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,854/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,821 · Scale 2, in force from 26 Feb 2026)